Help Centre
Frequently Asked Questions
Everything you need to know about applying, repaying, and managing your loan. Can't find your answer? Contact us.
Account
All your documents — including your loan agreement and uploaded files — are stored securely in your Document Vault inside the borrower portal. Log in and navigate to "Documents" to view and download them.
Log in to your portal, go to "Profile", and update your information. Some changes (like email address) may require verification for security purposes.
Yes. We use bank-grade 256-bit SSL encryption for all data in transit. Your personal and financial documents are stored in secure, access-controlled storage and never accessible via public links.
Click "Forgot Password" on the login page, enter your registered email address, and we'll send you a reset link. The link expires after 60 minutes for security.
Application
Simply create an account, complete your profile, and use our step-by-step application wizard. The process takes about 10 minutes. You'll need to upload a few supporting documents and we'll give you a decision within 24 hours.
Requirements vary by loan type, but typically you'll need a valid government-issued ID, recent payslips (last 3 months), and 3 months of bank statements. Our wizard will show you exactly what's needed for your chosen product.
Most applications receive a decision within 24 hours of document submission. Complex applications (e.g. mortgages) may take 3-5 business days.
Yes. Self-employed applicants are welcome. You'll need to provide 6 months of bank statements and your most recent tax return or financial statements in addition to the standard requirements.
We consider applications from borrowers across all credit bands. Your credit score is one factor in our assessment — we also consider income, employment stability, and debt-to-income ratio. A higher score typically results in a lower rate.
Products & Rates
We offer Personal Loans, Business Loans, Home Mortgages, Vehicle Finance, Student Loans, and Lines of Credit. Each product has different terms, rates, and eligibility criteria.
Your rate is based on the loan product, your credit score band, income, and debt-to-income ratio. Rates range from 6.75% p.a. (mortgage) to 24.99% p.a. (personal). The exact rate is confirmed in your offer letter.
The calculator provides an indicative estimate using standard reducing-balance calculations. Your actual rate may differ based on your credit assessment. The confirmed rate and schedule will be in your loan offer letter.
No. All fees — origination, processing, late payment, and early repayment — are disclosed upfront in your loan offer letter and product page. There are no hidden charges.
You may hold more than one active loan, subject to your overall creditworthiness and debt-to-income ratio at the time of each application.
Minimums start at 1,000 EUR (personal loan) and maximums reach 2,000,000 EUR (mortgage). Each product has its own range — check the product pages for exact figures.
Repayments
Log in to your portal and navigate to your loan. You'll see your next payment due date and amount. Contact us or visit a branch to arrange payment. Online payment options will be available soon.
Yes, partial and full early repayments are allowed. An early repayment fee of 1% of the outstanding balance may apply depending on your loan product. Full details are in your loan agreement.
If you miss a payment, a late payment fee will be applied and interest will continue to accrue. We'll contact you to arrange repayment. If you're facing difficulties, please reach out proactively — we have hardship options available.
Log in to your borrower portal and navigate to "My Loans" then your loan then "Repayment Schedule". You can view and download the full amortisation table at any time.
In some cases, yes. Contact our team at least 5 business days before your next due date and we'll review your request. Approval is subject to your loan terms.
Still have questions?
Our team is ready to help. Send us a message and we'll respond within one business day.